topic Re: citi blacklist? in Credit Cards

citi blacklist?

GTS — Thu, 19 Jan 2023 05:09:50 GMT

I Burned citi on 2 different cobranded cards (best buy $800 sl and Goodyear $800 sl). Both were closed in 2016. I paid the Goodyear card off and and left the Best Buy as a CO. Does anybody know what the possibility is of being blacklisted on a non cobranded citi card. I'm also an auth user on an AA card with $30,000 sl with 30+ years positive history.

Re: citi blacklist?

FireMedic1 — Thu, 19 Jan 2023 10:09:57 GMT

Welcome @GTS

I believe it comes down to Citi has a long memory. Having an active CO isnt helping. Try to get that settled/paid so it quits updating on a monthly basis. If your after a Citi card by the tone of the post. Uphill battle. Some lenders ignore AU cards. Let others chime in. In the meantime. What are your scores to get the ball rolling.

Re: citi blacklist?

GTS — Thu, 19 Jan 2023 13:30:51 GMT

Fico 8 Ex 665, Eq 654, Tu 663.

Re: citi blacklist?

StephenH — Thu, 19 Jan 2023 14:18:47 GMT

Best way to assure that you have the best chance of getting approved is to pay back what you owe them. If you can, you should wait until your scores are over 700

Re: citi blacklist?

OmarGB9 — Thu, 19 Jan 2023 15:25:15 GMT

Citi can definitely hold a grudge. Especially if you still have an outstanding CO. I'd pay that CO if you have the means to and hope to get back in. Paying it wouldn't guarantee an approval, but it would definitely help. Also the AU account you're on doesn't mean much since it's not your account and you're not financially responsible for it.

Re: citi blacklist?

northway — Thu, 19 Jan 2023 15:59:41 GMT

Citi Retail cards and Citibank operate as two separate and distinct entities though all under the Citigroup enterprise. A CO with Citi Retail should not affect your approval chances with Citibank as they technically don't share information between each other like that.

Re: citi blacklist?

GTS — Thu, 19 Jan 2023 17:14:13 GMT

I also have citi snap on corporate card with $5000 sl

Re: citi blacklist?

OmarGB9 — Thu, 19 Jan 2023 18:23:31 GMT

@GTS wrote:
I also have citi snap on corporate card with $5000 sl

But again, is that card tied to you individually? Or is it like centrally billed like your company pays the bill?

Re: citi blacklist?

GTS — Thu, 19 Jan 2023 18:31:37 GMT

@OmarGB9 wrote:
@GTS wrote:
I also have citi snap on corporate card with $5000 sl
But again, is that card tied to you individually? Or is it like centrally billed like your company pays the bill?

They ran my SSN for a PG and it's linked to my home address. The company pays for all business expenses but I am responsible for all personal expenses. So we both pay. Also not sure if this is linked to business side of credit or personal.

Re: citi blacklist?

northway — Thu, 19 Jan 2023 18:44:02 GMT

This would be Citi Retail business/commercial. Not linked to Citibank.

Re: citi blacklist?

ways2go — Thu, 19 Jan 2023 22:26:55 GMT

My experience is they have a long term memory. I went chp 13 on them in 1991. I applied with them in 2013 and was denied for that reason. The only reason I have any citi cards is because my Costco card was taken over by them.

Re: citi blacklist?

Jeffster1 — Fri, 20 Jan 2023 04:30:20 GMT

@ways2go wrote:
My experience is they have a long term memory. I went chp 13 on them in 1991. I applied with them in 2013 and was denied for that reason. The only reason I have any citi cards is because my Costco card was taken over by them.

That definitely is a long memory LOL